First Bank
Mccomb, MS
IDRSSD: 875936
Total Assets
$541.65M
Latest filing
Total Deposits
$463.60M
Latest filing
Net Interest Margin
4.23%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First Bank
105 S Broadway St
Mccomb, MS 39648
Full Service - Brick and Mortar
Updated 11/14/2025Established 06/25/1895FDIC Certificate 4026
Branches (13)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| First Bank (Main) | 105 S Broadway St | Mccomb, MS |
| OSYKA BRANCH | Liberty And Railroad Avenues | Osyka, MS |
| MAGNOLIA BRANCH | 284 E Bay St | Magnolia, MS |
| LIBERTY BRANCH | 832 East Main Street | Liberty, MS |
| BROOKWAY BOULEVARD BRANCH | 750 Brookway Blvd | Brookhaven, MS |
| SUMMIT BRANCH | Robb Street | Summit, MS |
| DELAWARE AVENUE BRANCH | 1324 Delaware Avenue | Mccomb, MS |
| THIRD STREET BRANCH | 315 3rd St | Mccomb, MS |
Showing 7 of 13
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 06/25/1895 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 39648 |
| State and County Number | 28113 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | McComb, MS |
Operational Info
| Number of Employees | 125 |
| Domestic Offices | 14 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.firstbankms.com |
| Data Updated | 11/14/2025 |
| CERT | 5907 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $541.65M |
| Total Deposits | $463.60M |
| Total Liabilities | $468.61M |
| Total Equity Capital | $73.04M |
| Net Income | $4.34M |
| Net Loans and Leases | $341.50M |
| Assets Per Employee ($Millions) | $4.37M |
| Bank Premises and Fixed Assets | $7.60M |
| Cash and Balances due from Depository Institutions | $58.23M |
| Deposits Held in Domestic Offices | $463.60M |
Key Performance Ratios
| Return on Assets (ROA) | 3.18% |
| Return on Equity (ROE) | 24.06% |
| Net Interest Margin | 4.23% |
| Efficiency Ratio | 45.9% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.28% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.485% |
| Earning Assets to total Assets | 93.57% |
Income and Expense
| Total Interest Income | $7.35M |
| Total Noninterest Income | $3.33M |
| Total Interest Expense | $1.96M |
| Total Noninterest Expense | $4.01M |
| Net Interest Income | $5.40M |
| Pre-tax Net Operating Income | $4.34M |
| Provision for Credit Losses | $388.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $1.30M |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.01M |
| Total Liabilities and Capital | $541.65M |
Securities
| Securities | $113.67M |
| Available-for-sale debt securities | $15.63M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $98.05M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Bank?
$541.65M as of the latest filing.
How much are First Bank's total deposits?
$463.60M in total deposits.
Where is First Bank located?
Mccomb, MS.
What is the Net Interest Margin?
4.23%.
How many domestic offices does it operate?
14.
When was it established?
06/25/1895.
What is the Return on Assets (ROA)?
3.18%.
How much are total loans and leases?
$341.50M (latest filing).
What is the total interest income (latest filing)?
$7.35M.